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Reliant |
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understands that some nations abroad require residents to participate in the locally provided National Health |
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Care plan. Reliant also understands that the costs of maintaining both health plan coverages may be |
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burdensome from an ongoing MTD fundraising perspective. ( |
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Though MTD burden alone is |
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not sufficient reason to choose to |
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Opt Out |
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.) Therefore, Reliant allows international workers to electively Opt Out of Reliant’s International Health Insurance Group Coverage Plan when they need or wish to be covered by National Health Care plans provided in the country of service. This page outlines requirements and considerations related to Opting Out of Reliant's coverage. Most US citizens prefer to be treated in the US if a catastrophic illness occurs. Therefore, Reliant only recommends Opting Out of our International Health Insurance Plan when the international worker is ready to be cared for exclusively by the National Health Care system where they reside. Reliant recommends that an international worker consider carrying both coverages. It is fully allowable and advisable to be covered by both plans. Important Considerations
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The election will be given under the following circumstances |
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The election will NOT be given under this circumstance
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Salary |
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increase allowed for national health care premiumsReliant |
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employees may add the monthly cost of National Health Care premiums to their monthly salary goals. |
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- The missionary is responsible to pay the premiums directly to the national government.
- They will also add the cost of these monthly premiums to their International Support Goal Worksheet (SGW) in Section A – Monthly Salary. It will then be paid out to the missionary as additional taxable salary.
- The new International SGW needs to be submitted and processed before changes can increase the paycheck.
Reimbursement of short-term supplemental health insurance travel policy for furlough/home service while in the U.S.
Reliant international missionaries who opt out of the Reliant health plan, will be eligible to taxably reimburse 100 percent of the cost of a short-term supplemental health insurance travel policy for traveling for themselves and their family members (e.g., to the USA for their 2 -3 month furlough). The missionary will need to submit this expense on a Reliant ministry reimbursement form as a taxable reimbursement. Any costs for medical claims that are incurred on furlough or while traveling, that not covered by their short-term supplemental health insurance travel policy will be 100 percent the responsibility of the missionary.
WARNING: Many online insurance carriers, who offer short-term supplemental health insurance travel policies, only offer limited coverage with limits or exclusions on many pre-existing conditions. Please make sure you are completely aware of these important details of the coverage and its limitations.
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employee is making the decision to opt out 100 |
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percent at their own risk. Thus, Reliant |
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requires that any |
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employee decision to opt out of the Reliant International Health Insurance Plan be made very carefully, prayerfully and with much counsel. This decision may have significant consequences on a |
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employee’s health coverage and possibly their personal finances. Making the decision simply because it means less Reliant ministry MTD support to raise can be |
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an extremely short-sighted reason and should NOT be made simply for that reason. Here are additional issues to be considered:
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If an international |
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worker desires to opt out of Reliant’s health plan and plans to enroll in their host country’s national health plan:
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Next steps for opting out of Reliant coverage |
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Employee must first confirm that they are eligible for host country national health coverage, enroll and receive proof of coverage. |
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(Often this involves a page being added in a passport, or other identification cards.) Send the following to Reliant (email these to: international@reliant.org) |
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Until final Reliant approval is given for opting out, the |
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employee will continue to be covered under Reliant’s International Health Plan. |
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Resources
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International Opt Out Request Form
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